https://d22bh5hhp3xpt1.cloudfront.net/coinloan-logo.pngAt a certain point you have to choose between available and desirable...
Typically, you exchange your current assets for the new ones. Their mutual exclusion is quite natural, but it often causes a loss in the future.
Sometimes, it is much more reasonable to hold some current assets in the new ones to obtain them back later.
CoinLoan is a platform for lending secured on crypto-assets (cryptocurrency, tokens) aimed at meeting the demand that cannot be satisfied by the traditional credit system. It provides borrowers with the most favorable conditions, and lenders - with the full repayment of their funds and the absence of risks.
ProblemAt a certain moment, every crypto investor faces the need in fiat money. Obviously, taking into account the market situation, your crypto asset is a highly liquid investment, but one-time transaction through crypto exchanges would be not strategically beneficial due to the duration of deposit/withdrawal, fees and the market volatility.
SolutionA proven business model endowed with all the power and flexibility of modern technologies and cryptography and tested for centuries can be a solution - low-interest loans secured by a cryptocurrency.
Using our platform, you can capture the full benefits of your relations with your creditors, and achieve your goal and completely
save the original asset.
You may get up to
70% of the current market value of your crypto assets invested in a fiat currency that is withdrawable in a number of convenient and fast methods, e.g. by international or local bank payment, or transfer to a bank card, etc.
Moreover, the platform will allow instant issue of virtual or debit (plastic) cards with
Apple Pay/Samsung Pay support where you can immediately withdraw your fiat money.
How it worksIn our platform, a client may act both as a lender and a borrower.
The lender may deposit his/her fiat money with the aid of international/local bank transfers or bank cards and individually create requests for loans on favorable terms (terms, interest rates). He/she may also choose our system to do the above in a fully automatic mode, thereby avoiding the manual creation and continuous monitoring of his/her requests. If the borrower fails to return the funds, the system will automatically liquidate (sell) the pledged crypto asset and return the funds to the lender (including the interest rate), thereby ensuring
the absence of risks and a full repayment.
The borrower shall deposit his/her crypto currency funds, then create a loan application, the amount of which cannot exceed
70% of the current market value — this restriction is created to preserve the borrower's crypto assets and reduce the risks caused by the high volatility of the cryptocurrency market. Next, he/she shall withdraw the received fiat money in a convenient and fast way, and later repays it, and gets his/her crypto asset back in full.
AdvantagesFor Lenders:- Automatic Funds Management - Formulate the terms and conditions of the loans, and the system will automatically estimate the market environment to create orders. After repayment of loans, the system will continue creating orders.
- Flexible Setting of Loans Terms and Conditions - Possibility to individually specify optimal terms and conditions for giving loans.
- No Risks - Full Repayment of funds for the loans that were given including the interest without delays.
- Worldwide Coverage - International audience of borrowers removes borders in granting loans.
- No Limits - The minimum loan amount is 50 USD, and the maximum amount and number of active loans is limited only by your budget.
- Variety of Currencies - The loan can be given in any available currency.
- No Obstacles - Any individual or legal entity can become a lender without any licenses.
- Reliability and Safety - Fully legal status and protected infrastructure will ensure the security of funds. Besides, the company will be licensed in Europe as a payment institute.
For Borrowers:- Preserving Cryptoassets - Now there is no need to sell cryptoassets if you need fiat money.
- Convenient Ways of Depositing/Withdrawing Funds - Loans can be quickly withdrawn by a bank transfer or to any bank card.
- Virtual and Plastic Cards - The platform allows the instant issue of a virtual card with the support of Apple Pay/Samsung Pay, as well as a plastic (debit) card to be delivered to any country of the world.
- No Credit Checks - There is no need to check out the credit history and prove your payment capacity.
- Flexible Lending Terms and Conditions - Individual estimation of risks and selection of lending terms and conditions allow getting a loan under optimum terms and conditions.
- Full Automation - All lending operations are performed automatically and immediately if offsetting orders are available.
- Refinancing of Obligations - Possibility to refinance obligations allows to easily prolong the loan term.
- Individual Loan Management - It is possible to close the loan at any time by liquidating (selling) a part of the loan at the current market price.
- Variety of Fiat Currencies - Loans can be obtained in any available currency.
- Supporting Popular Cryptoassets - It is possible to use such popular cryptoassets as Bitcoin, Ethereum, etc. as the loan collateral.
For ICO Investors:- You may invest in a unique and promising project;
- Possibility to profitably sell tokens at crypto exchanges;
- Better credit conditions for token holders.
Market AnalysisAccording to experts, the total P2P-lending market may reach a trillion dollars by 2025. Nowadays, it is more than 100 billion annually, and will grow exponentially.
At the same time, it is clear from the forecasts of many crypto enthusiasts that by 2020 the crypto asset market will exceed the above estimate of a trillion dollars.
These markets shall bump into, as the crypto currency becomes a real investment asset for its holders and can be monetized at any time.
Cryptocurrency, blockchain technologies and P2P lending, while improving the economy, move the market into a modern direction, leaving behind traditional financial institutions that fail to notice the waves of the blockchain revolution.
ICO & Pre-ICO StructureTotal to be issued:
50,000,000 (fifty million) tokens
ERC20 Token symbol:
CLTTokens Distribution:- 10% (5 million) — Pre-ICO
- 50% (25 million) — ICO
- 30% (15 million) — SCO
- 10% (5 million) — Reserve of the team and advisers. Part will be allocated as bonuses in the bounty campaign.
Road Map2016 Q4Generating the idea. Evaluating the market and development potential.
2017 Q1Launching the development.
2017 Q3Preparing for the ICO. Performing the Pre-sale.
2017 Q4Making the ICO. Expanding the team. Developing the company’s legal structure. Submitting the documents to obtain necessary licenses.
2018 Q2Obtaining the payment licenses. Completion of developing the platform core. The official launch of the platform.
2018 Q3Developing mobile applications for iOS & Android.
2019Licensing and entering the Asian market.
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MediumWebsite: CoinLoan.ioRead the White PaperWatch the Video 
